All of Connecticut · Loan
Smart-E Loan
Run by Connecticut Green Bank
No-money-down, unsecured loans from the Connecticut Green Bank and local lenders for 70+ home energy upgrades. Heat pump projects get 1.99% APR through December 31, 2026 (standard 6.99% to 7.99%).
Amounts
How much you get
Loan. 1.99% APR for eligible heat pump installations through December 31, 2026, for projects up to $25,000 (larger projects get a blended rate); standard APR 6.99% to 7.99%. 100% financing, fixed payments, no prepayment penalty.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Connecticut.
Owner-occupied property in Connecticut.
1-4 unit residential building; condos must be individually metered.
Work through a Smart-E approved contractor.
What to doPick a contractor from the Green Bank's pre-approved list, or ask yours to get approved.
For the 1.99% heat pump rate, pre-verify the heat pump rebate before installation.
What to doSubmit project information at EnergizeCT.com/Rebates before installing. Energize CT Smart-E Loans
Equipment
What equipment counts
Applying
How to apply
Your contractor applies for you. The 1.99% heat pump rate runs through December 31, 2026. Get approved before you buy anything.
- Find a Smart-E contractor and compare quotes.
- Heat pump offer: pre-verify your rebate.
Mandatory for the 1.99% rate.
- Apply to a participating lender and tell the contractor which one.
- The Green Bank reviews and the lender closes the loan.
- Contractor completes the project.
The Green Bank approves the final payment.
Stacking
Use it with
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Pick a contractor from the Green Bank's pre-approved list, or ask yours to get approved.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Smart-E Loan pay?
Work done at no cost. Loan. 1.99% APR for eligible heat pump installations through December 31, 2026, for projects up to $25,000 (larger projects get a blended rate); standard APR 6.99% to 7.99%. 100% financing, fixed payments, no prepayment penalty.
Do renters qualify?
Owner-occupied property in Connecticut.
Do I have to use a contractor?
Yes. Work through a Smart-E approved contractor.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. For the 1.99% heat pump rate, pre-verify the heat pump rebate before installation. Submit project information at EnergizeCT.com/Rebates before installing.
What’s the deadline?
No fixed deadline. Apply any time while it’s open.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
- Individually metered
- Your home has its own utility meter, not one shared with other homes in the building.
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby
More in Connecticut
All of Connecticut
Connecticut Weatherization Assistance Program (CT WAP)
Work done at no cost
Free weatherization for households at or below 60% of state median income: energy audit, air sealing, attic and wall insulation and heating system tune-ups, through DEEP and Community Action agencies.
Checked Oct 25, 2026
Connecticut and UI and CNG and SCG customers, Connecticut
Energize CT Home Energy Solutions
Work done at no cost
An in-home energy assessment with on-the-spot air sealing and upgrades for Eversource, UI, CNG and SCG customers: $40 copay, or no cost for households between 60% of state median and 80% of area median income.
Checked Oct 25, 2026
Connecticut and UI and CNG and SCG customers, Connecticut
Energize CT Home Energy Solutions – Income Eligible
Amount varies
Households at or below 60% of Connecticut median income get a no-cost home energy assessment and energy-saving work from Eversource, UI, CNG or SCG, including up to 100% off approved insulation. Renters can apply.
Checked Oct 25, 2026